Comparative Study of SBI and PNB Bank

Project Report on Company analysis

ForBanking sector

In the partial fulfillment of subject – industry analysis and desk researchOf

Master of Business administration

SUBMITTED BY

Mr. Sany Kishor Ambilwade

UNDER THE GUIDANCE OF

PROF. Ranita valve

SUBMITTED TO

University of Pune

Global Institute of Management132/1 Nasik –Pune Highway, Velhale,

Sangamner – 422605.

(Batch 2016-17)

DECLARATION

We, the undersigned, hereby declare that the Project Report of industry analysis and desk

research Semester-II for “BANKING SECTOR”. Submitted by us to University Of Pune, in

partial fulfillment of the requirements for the award of degree of Master of Business

Administration (M.B.A.) under the guidance of Prof. RANITA VALVE. Is our original work and

the conclusions drawn there in are based on the material collected by our self.

Place: Sangamner Signature of Student

Date: Mr. Ambilwade Sany Kishor

Acknowledgement

It is a matter of great satisfaction and pleasure to present this report on “Enterprise

analysis. We take this opportunity to owe my thanks to all those involved in my training.

This project report could not have been completed without the guidance of Prof.

RANITA VALVE. I express my gratitude towards Dr. A. A. DESHMUKH Sir (Director, Global

Institute of Management), his timely help & encouragement helped me to complete this project

successfully. Without which the project work could not have been completed.

Research Student

Mr. Ambilwade S.K

College Certificate

This is to certify that the project on Enterprise Analysis for MBA-CBCS 2013 pattern Semester –

II For the academic Year 2016-17 was submitted in the partial fulfillment of requirement of

Master’s Degree in Business Administration Programme of University of Pune, and embodies

the bonafide work carried out by

Mr. Ambilwade Sany Kishor

We find the work complete, comprehensive and of significantly high standard to warrant its

presentation for the purpose of MBA examination.

Project Guide Director

(Prof. RANITA VALVE) (Dr. A.A. DESHMUKH)

External

INDEX- COMPANY 1

STATE BANK OF INDIA

S.N. Topic Page No.

1 Introduction of Company

History

Vision & Mission

Board of director

Awards , Achievements & Certifications2 Research Methodology

3 Product Profile

4 Competitors

5 Financial Data

References

INDEX- COMPANY 2

PANJAB NATIONAL BANK

S.N. Topic Page No.

1 Introduction of Company

History

Vision & Mission

Board of director

Awards , Achievements & Certifications2 Research Methodology

3 Product Profile

4 Competitors & Customers

5 Financial Data

References

Company 1

STATE BANK OF INDIA

Chapter 1

1.1 Introduction of Company1.2 History1.3 Vision & Mission1.4 Awards, Achievements & Certificate1.5 SWOT Analysis

1.1 INTRODUCTION OF SBI

State Bank of India

Type PublicTraded as NSE: SBIN

BSE: 500112LSE: SBIDBSE SENSEX ConstituentCNX Nifty Constituent

Industry Banking, financial servicesFounded 2 June 1806, Bank of Calcutta

27 January 1921, Imperial Bank of India

1 July 1955, State Bank of India

2 June 1956,[1] nationalizationHeadquarters Mumbai, Maharashtra, IndiaArea served WorldwideKey people Smt. Arundhati Bhattacharya

(Chairperson)Products Consumer banking, corporate banking, finance and

insurance, investment banking, mortgage loans, private banking, private equity, savings, securities, asset management, wealth management, credit cards,

Revenue 257289 crore (US$38 billion) (2015)Profit 17517 crore (US$2.6 billion) (2015)

Total assets 2700110 crore (US$400 billion) (2015)Total equity 203417 crore (US$30 billion) (2015)

Owner Government of IndiaMembers 286 million users with 450 million accounts (2016)

Number of employees 222,033 (2014)

Slogan The Banker to Every Indian

is an Indian multinational, public sector banking and financial services company. It is a government-owned corporation with its headquarters in Mumbai, Maharashtra. As of 2014-15, it has assets of INR 20,48,080 crores and 16,333 branches, including 191 foreign offices spread across 36 countries, making it the largest banking and financial services company in India by assets.

State Bank of India is one of the Big Four banks of India, along with ICICI Bank, Bank of Baroda and Punjab National Bank.

The bank traces its ancestry to British India, through the Imperial Bank of India, to the founding, in 1806, of the Bank of Calcutta, making it the oldest commercial bank in the Indian Subcontinent. Bank of Madras merged into the other two "presidency banks" in British India, Bank of Calcutta and Bank of Bombay, to form the Imperial Bank of India, which in turn became the State Bank of India. Government of India owned the Imperial Bank of India in 1955, with Reserve Bank of India (India's Central Bank) taking a 60% stake, and renamed it the State Bank of India. In 2008, the government took over the stake held by the Reserve Bank of India.

State Bank of India is a regional banking behemoth and has 20% market share in deposits and loans among Indian commercial banks.

1.2 HISTORY

The roots of the State Bank of India lie in the first decade of the 19th century, when the Bank of Calcutta, later renamed the Bank of Bengal, was established on 2 June 1806. The Bank of Bengal was one of three Presidency banks, the other two being the Bank of Bombay (incorporated on 15 April 1840) and the Bank of Madras (incorporated on 1 July 1843). All three Presidency banks were as joint stock companies and were the result of royal charters. These three banks received the exclusive right to issue paper currency till 1861 when, with the Paper Currency Act, the right was taken over by the Government of India. The Presidency banks amalgamated on 27 January 1921, and the re-organised banking entity took as its name Imperial Bank of India. The Imperial Bank of India remained a joint stock company but without Government participation.

Pursuant to the provisions of the State Bank of India Act of 1955, the Reserve Bank of India, which is India's central bank, acquired a controlling interest in the Imperial Bank of India. On 1 July 1955, the imperial Bank of India became the State Bank of India. In 2008, the Government of India acquired the Reserve Bank of India's stake in SBI so as to remove any conflict of interest because the RBI is the country's banking regulatory authority.

In 1959, the government passed the State Bank of India (Subsidiary Banks) Act. This made SBI subsidiaries of eight that had belonged to princely states prior to their nationalization and operational take-over between September 1959 and October 1960, which made eight state banks associates of SBI. This acquisition was in tune with the first Five Year Plan, which prioritized the development of rural India. The government integrated these banks into the State Bank of India system to expand its rural outreach. In 1963 SBI merged State Bank of Jaipur (est. 1943) and State Bank of Bikaner (est.1944).

SBI has acquired local banks in rescues. The first was the Bank of Bihar (est. 1911), which SBI acquired in 1969, together with its 28 branches. The next year SBI acquired National Bank of Lahore (est. 1942), which had 24 branches. Five years later, in 1975, SBI acquired Krishnaram Baldeo Bank, which had been established in 1916 in Gwalior State, under the patronage of Maharaja Madho Rao Scindia. The bank had been the Dukan Pichadi, a small moneylender, owned by the Maharaja. The new bank's first manager was Jall N. Broacha, a Parsi. In 1985, SBI acquired the Bank of Cochin in Kerala, which had 120 branches. SBI was the acquirer as its affiliate, the State Bank of Travancore, already had an extensive network in Kerala.

There has been a proposal to merge all the associate banks into SBI to create a "mega bank" and streamline the group's operations.

The first step towards unification occurred on 13 August 2008 when State Bank of Saurashtra merged with SBI, reducing the number of associate state banks from seven to six. Then on 19 June 2009 the SBI board approved the absorption of State Bank of Indore. SBI holds 98.3% in State Bank of Indore. (Individuals who held the shares prior to its takeover by the government hold the balance of 1.7%.)

The acquisition of State Bank of Indore added 470 branches to SBI's existing network of branches. Also, following the acquisition, SBI's total assets will inch very close to the 10 trillion mark (10 billion long scale). The total assets of SBI and the State Bank of Indore stood at 9,981,190 million as of March 2009. The process of merging of State Bank of Indore was

completed by April 2010, and the SBI Indore branches started functioning as SBI branches on 26 August 2010.

On October 7, 2013, Arundhati Bhattacharya became the first woman to be appointed Chairperson of the bank.

1.3 VISION AND MISSON

VISION

My SBI. My Customer first. My SBI: First in customer satisfaction

MISSION

We will be prompt, polite and proactive with our customers. We will speak the language of young India. We will create products and services that help our customers achieve their goals. We will go beyond the call of duty to make our customers feel valued. We will be of service even in the remotest part of our country. We will offer excellence in services to those abroad as much as we do to those in India. We will imbibe state of the art technology to drive excellence.

VALUES

We will always be honest, transparent and ethical. We will respect our customers and fellow associates. We will be knowledge driven. We will learn and we will share our learning. We will never take the easy way out. We will do everything we can to contribute to the community we work in. We will nurture pride in India

Board of director

1.4 AWARDS AND ACHIEVEMENT

ACHIVEMENTS:

he coveted awards include:

Golden Peacock Award for Sustainability, London. Golden Peacock Award for Corporate Social Responsibility, Mumbai .

Indo - American Chamber of Commerce Best Bank Award, Mumbai. Global Finance Magazine, New York 'Best Emerging Markets Bank in Asia Pacific 2015' Award. World Branding Forum, London 'Brand of The Year Award'. BFSI Environmental Award, Singapore. CMO Asia Award for Best CSR Practices, Mumbai. Business World Magazine 'Socially Responsible Bank' Award, Mumbai. Golden Globe Tigers Awards for CSR best Practices & Innovations in CSR. - Kuala Lumpur.

AWARDS:

SBI was ranked as the top bank in India based on tier 1 capital by The Banker magazine in a 2014 ranking

SBI was ranked 298th in the Fortune Global 500 rankings of the world's biggest corporations for the year 2012

SBI was named the 29th most reputed company in the world according to Forbes 2009 rankings

SBI was 50th Most Trusted brand in India as per the Brand Trust Report 2013, an annual study conducted by Trust Research Advisory, a brand analytics company and subsequently, in the Brand Trust Report 2014,

SBI finished as India's 19th Most Trusted Brand in India. State Bank of India won the developer award for Central Plan Scheme Monitoring

System SBI received the awards for retail core banking and overall retail technology

project of the year. SBI, the only Indian bank to get the award, was among 250 countries.

1.5 SWOT ANALYSIS

Strengths

1. SBI is the largest bank in India in terms of market share, revenue and assets.2. As per recent data the bank has more than 13,000 outlets and 25,000 ATM centres3. The bank has its presence in 32 countries engaging currency trade all over the world4. The bank has a merged with State Bank of Saurashtra, State bank of Indore and the bank

is planning to go further acquisition in the current FY2012.5. SBI has the first mover advantage in commercial banking service6. SBI has recently changed its vision and mission statements showing a sign of inclination

towards new age banking services

Weakness

1. Lack of proper technology driven services when compared to private banksEmployees show reluctance to solve issues quickly due to higher job security and customers’ waiting period is long when compared to private banksThe banks spends a huge amount on its rented buildings

2. SBI has the largest number of employees in banking sector, hence the bank spends a considerable amount of its income in employee’s salary compensationIn spite of modernization, the bank still carries the perception of traditional bank to new age

3. Customers SBI fails to attract salary accounts of corporate and many government sector employees salary accounts are also shifted to private bank for ease of operations unlike before

Opportunities

1. SBI’s merger with five more banks namely State Bank of Hyderebad, State bank of Patiala, State bank of Bikaber and Jaipur, State of bank of  Travancore and State bank of Mysore are in approval stage

2. Mergers will result in expansion of market share to defend its number one positionSBI is planning to expand and invest in international operations due to good inflow of money from Asian Market

3. Since the bank is yet to modernize few of its banking operations, there is a better scope of using advanced technologies and software to improve customer relations

4. Young and talented pool of graduates and B schools are in rise to open new horizon to so called “old government bank”

Threats

1. Net profit of the year has decline from 9166.05 in the year FY 2010 to 7,370.35 in the year FY2011

2. This shows the reduce in market share to its close competitor ICICIOther private banks like HDFC, AXIS bank etc

3. FDIs allowed in banking sector is increased to 49% , this is a major threat to SBI as people tend to switch to foreign banks for better facilities and technologies in banking service

4. Other governments banks like PNB, Andhra, Allahabad bank and Indian bank are showingCustomer prefer to switch to private banks and financial service providers for loans and mortgages, as SBI involves stringent verification procedures and take long time for processing.

CHAPTER2

Research methodology

Tools and techniques for Data Collection:

1. Secondary Data: - Secondary data was collected from books, articles, Wikipedia and

also website of bank and previous research papers that had been conducted by the

company representatives and officials.

Tools and techniques of Analysis:

Simple statistical tools and techniques like average, ratios, pie charts, tables and graphs in

addition to factor analysis method are used to analyze the data

Chapter No .3

Product Profile

PRODUCTS AND SERVICES

Working Capital Finance

Project Finance

Deferred Payment Guarantees

Corporate Term Loans

Structured Finance

Dealer Financing

Channel Financing

Equipment Leasing

Loan Syndication

Financing Indian Firms Overseas Subsidiaries or JVs

Construction Equipment Loan

Cash Management Products

Chapter No .4

Competitors

Of

State bank of India

Company Name Current PricePrevious

PriceHigh Price Low Price

State Bank Of Bikaner and Jaipur 501.00 500.45 504.00 500.10

State Bank of Travancore 387.90 406.80 387.90 382.00

State Bank Of Mysore 368.10 421.75 372.90 368.10

Canada Bank 187.75 265.95 188.30 184.90

Bank of Baroda 142.55 175.20 142.95 140.80

Source: (http://www.sify.com/finance/stockpricequote/State_Bank_of_India-

SBI/competitors.html)

Chapter 5

Financial Data

BALANCE SHEET OF SBI

Mar '15 Mar '14 Mar '13 Mar '12 Mar '11

Capital and Liabilities:

Total Share Capital 746.57 746.57 684.03 671.04 635.00Equity Share Capital 746.57 746.57 684.03 671.04 635.00Share Application Money 0.00 0.00 0.00 0.00 0.00Preference Share Capital 0.00 0.00 0.00 0.00 0.00Reserves 127,691.65 117,535.68 98,199.65 83,280.16 64,351.04Net Worth 128,438.22 118,282.25 98,883.68 83,951.20 64,986.04

Deposits 1,576,793.24 1,394,408.51 1,202,739.57 1,043,647.36 933,932.81Borrowings 205,150.29 183,130.88 169,182.71 127,005.57 119,568.96Total Debt 1,781,943.53 1,577,539.39 1,371,922.28 1,170,652.93 1,053,501.77Other Liabilities & Provisions 137,698.05 96,412.96 95,455.07 80,915.09 105,248.39Total Liabilities 2,048,079.80 1,792,234.60 1,566,261.03 1,335,519.22 1,223,736.20

Mar '15 Mar '14 Mar '13 Mar '12 Mar '11

Assets

Cash & Balances with RBI 115,883.84 84,955.66 65,830.41 54,075.94 94,395.50Balance with Banks, Money at Call 58,977.46 47,593.97 48,989.75 43,087.23 28,478.65Advances 1,300,026.39 1,209,828.72 1,045,616.55 867,578.89 756,719.45Investments 495,027.40 398,308.19 350,927.27 312,197.61 295,600.57Gross Block 9,329.16 8,002.16 6,595.71 5,133.87 4,431.96Revaluation Reserves 0.00 0.00 0.00 0.00 0.00Accumulated Depreciation 0.00 0.00 0.00 0.00 0.00Net Block 9,329.16 8,002.16 6,595.71 5,133.87 4,431.96Capital Work In Progress 0.00 0.00 409.31 332.68 332.23Other Assets 68,835.55 43,545.90 47,892.03 53,113.02 43,777.85

Total Assets 2,048,079.80 1,792,234.60 1,566,261.03 1,335,519.24 1,223,736.21

Contingent Liabilities 1,093,422.51 1,091,358.37 993,018.45 899,565.18 790,389.59Bills for collection 0.00 0.00 0.00 0.00 0.00Book Value (Rs) 172.04 1,584.34 1,445.60 1,251.05 1,023.40

Source : Dion Global Solutions Limited

Company 2

PANJAB NATIONAL BANK

INDEX 2 S.N. Topic Page No.

1 Introduction of Company

History

Vision & Mission

Board of director

Awards , Achievements & Certifications2 Research Methodology

3 Product Profile

4 Competitors & Customers

5 Financial Data

Chapter 1

1.1 Introduction of Company1.2 History1.3 Vision & Mission1.4 Awards, Achievements & Certificate1.5 SWOT Analysis

Introduction of Company

Punjab National Bank

Type Public

Traded asBSE: 532461NSE: PNBCNX Nifty Constituent

Industry Banking, Financial services

Founded 19 May 1894

Founder Lala Lajpat Rai

Headquarters New Delhi

Key people Usha Ananthasubramanian (MD & CEO)

Products

Credit cards, consumer banking, corporate banking, finance and insurance, investment banking, mortgage loans, private banking, private equity, wealth management

Revenue 47400 crore (US$7.0 billion)(2013)

Net income 4748 crore (US$700 million) (2013)

Total assets 478877 crore (US$70 billion) (2013)

Owner Government of India

Number of employees 62,392 (March 2013)

Website www.pnbindia.in

History

Punjab National Bank was registered on 19 May 1894 under the Indian Companies Act, with its office in Anarkali Bazaar, Lahore. The founding board was drawn from different parts of India professing different faiths and a varied back-ground with, however, the common objective of providing country with a truly national bank which would further the economic interest of the country.[1] PNB's founders included several leaders of the Swadeshi movement such as Dyal Singh Majithia and Lala Harkishan Lal, Lala Lalchand, Shri Kali Prosanna Roy, Shri E.C. Jessawala, Shri Prabhu Dayal, Bakshi Jaishi Ram, and Lala Dholan Dass.[6][7] Lala Lajpat Rai was actively associated with the management of the Bank in its early years. The board first met on 23 May 1894.[1] The bank opened for business on 12 April 1895 in Lahore.

PNB has the distinction of being the first Indian bank to have been started solely with Indian capital that has survived to the present. (The first entirely Indian bank, Oudh Commercial Bank, was established in 1881 in Faizabad, but failed in 1958.)

PNB has had the privilege of maintaining accounts of national leaders such as Mahatma Gandhi, Jawahar Lal Nehru, Lal Bahadur Shastri, Indira Gandhi, as well as the account of the famous Jalianwala Bagh Committee

Vision & Mission

Corporate Mission

VisionTo be a Leading Global Bank with Pan India footprints and become a household brand in the Indo-Gangetic Plains providing entire range of financial products and services under one roof"

Mission"Banking for the unbanked"

Board of director

Awards, Achievements & Certificate

Awards & Achievements of Punjab National Bank in Recent Times

*  PNB BAGS "THE BANKING FRONTIERS-INSPIRING WORKPLACE AWARDS

2015" FOR "BEST HR AND TALENT PRACTICES"

*  PNB BAGS ABP NEWS BRAND EXCELLENCE AWARD 2015UNDER BANKING FINANCIAL SERVICES AND INSURANCE CATEGORY

*  PNB BAGS ASSOCHAM SOCIAL BANKING EXELLENCE AWARD 2015UNDER RURAL BANKING CATEGORY (LARGE BANK)

*  PNB BAGS CIMSME- BANKING EXCELLENCE AWARD 2015BEST BANK AWARD FOR PMJDY (LARGE BANK)

*  PNB BAGS IBA BANKING TECHNOLOGY AWARD 2015

*  MSME Banking Excellance Award 2014

*  PNB bags RBI Rajbhasha Award 2014

*  Best RSETI Award 2013-14 (Large Bank Category)

*  Annual Social Banking Excellence Award 2014

*   ‘Golden Peacock Business Excellence Award 2014’ by Institute of Directors

* PNB RECEIVED AWARD FOR CSR ACTIVITY 2014

*  PNB bags Golden Peacock award for innovative Product/Service

for the year 2014

*  Vigilance Excellence Award 2013-14

* ABP News presented PNB withGlobal CSR Excellence and Leadership Award for   “Organisations with Best   CSR Practices”

on 17.02.2014

* Punjab National Bank conferred with Appreciation Certificate in 6th Global CSR Summit - cum – Excellence Awards

SWOT Analysis

SWOT Analysis

Strengths

1.  Diversified operations with 5100 branches2.  Strong I. T support with “best fit” approach3.  Schemes for small and medium scale businesses4. It is the second largest state-owned commercial bank in India with about 5000 branches across 764 cities

5. Its 56,000+ workforce serves over 37 million customers

Weaknesses

1. Less penetration in the urban areas

2. Inadequate advertising and branding as compared to other banks3. Legal issues regarding employees caused a bad name of PNB

Opportunities

1. Small scale business banking across India2.  Expansion in other countries for international banking3. Installation of more ATM’s and better customers services

Threats

1.  Economic crisis and economic fluctuations2.  Highly competitive environment3. Stringent Banking Norms by the RBI and the Govts

Research Methodology

Tools and techniques for Data Collection:

1. Secondary Data: - Secondary data was collected from books, articles, Wikipedia and

also website of bank and previous research papers that had been conducted by the

company representatives and officials.

Tools and techniques of Analysis:

Simple statistical tools and techniques like average, ratios, pie charts, tables and graphs in

addition to factor analysis method are used to analyze the data

Product Profile

SCHEMES / PRODUCTS / SERVICES  

Punjab National Bank, is extensively catering to banking needs of Non-resident Indians, Importers & Exporters particularly relating to foreign exchange business including Imports & Exports of Goods & Services as also Remittances etc.PNB OFFERS VARIOUS SCHEMES / PRODUCTS /SERVICES RELATING TO INTERNATIONAL BANKING. THE BROAD DETAILS THRREOF ARE AS UNDER  

Foreign Currency Non-resident Deposit A/c Scheme (FD) Non-resident External Deposit A/c Scheme (SB/CA/FD) Non-resident Ordinary Deposit A/c Scheme (SB/CA/FD/RD) Foreign Inward Remittances – Rupee Drawing Arrangements / Speed Remittances with

Exchange Houses Money Transfer Schemes PNB-NRI REMIT Scheme Exchange of Foreign Currency Travellers Cheques/Notes World Travel Card Buyers’ / Suppliers’ Credit against Imports into India Letter of Guarantee (issued on behalf of foreign bank) Precious Metal Business (on consignment basis) Gold (Metal) Loan Scheme for Domestic Jewellery Manufacturers. ECGC – Bank assurance - Selling of policies to exporters

DETAILED INFORMATION ABOUT THE ABOVE PRODUCTS / SERVICES IS AVAILABLE AT BANK’S SELECT DESIGNATED BRANCHES AUTHORIZED TO DEAL IN FOREIGN EXCHANGE. 

Competitors of Punjab National Bank

Competition

Name Last Price Market Cap. Net Interest Net Profit Total Assets

(Rs. cr.) Income

SBI 183.85 142,718.66 152,397.07 13,101.57 2,048,079.80

Bank of Baroda 143.90 33,247.38 42,963.55 3,398.43 714,988.55

PNB 83.00 16,297.86 46,315.36 3,061.58 603,333.60

IDBI Bank 64.65 12,283.85 28,153.99 873.39 356,030.58

Central Bank 68.20 11,309.42 26,408.78 606.45 311,940.49

Canara Bank 184.80 10,034.47 43,750.04 2,702.63 548,000.55

(Source: http://www.moneycontrol.com/competition/punjabnationalbank/comparison/PNB05)

Financial data

Balance Sheet of Punjab National Bank ------------------- in Rs. Cr. -------------------

Mar '15 Mar '14 Mar '13 Mar '12 Mar '11

Capital and Liabilities:

Total Share Capital

Equity Share Capital 370.91 362.07 353.47 339.18 316.81

Share Application Money 370.91 362.07 353.47 339.18 316.81

Preference Share Capital 0.00 0.00 0.00 0.00 0.00

Reserves 0.00 0.00 0.00 0.00 0.00

Net Worth 37,321.06 34,125.07 30,894.58 26,028.37 19,720.99

Deposits 37,691.97 34,487.14 31,248.05 26,367.55 20,037.80

Borrowings 501,378.64451,396.75 391,560.06 379,588.48 312,898.73

Total Debt 45,670.55 48,034.41 39,620.92 37,264.27 31,589.69

Other Liabilities & Provisions 547,049.19499,431.16 431,180.98 416,852.75 344,488.42

Total Liabilities 17,204.89 15,093.44 15,019.15 13,524.18 12,328.27

601,946.05549,011.74 477,448.18 456,744.48 376,854.49

Mar '15 Mar '14 Mar '13 Mar '12 Mar '11

Assets

Cash & Balances with RBI

Balance with Banks, Money at Call 24,224.94 22,245.58 17,886.25 18,492.90 23,776.90

Advances 31,709.23 22,972.87 9,249.13 10,335.14 5,914.32

Investments 380,534.40349,269.13 308,725.21 293,774.76 242,106.67

Gross Block 151,282.36143,785.50 129,896.19 122,629.47 95,162.35

Revaluation Reserves 3,551.48 3,419.74 3,357.68 3,168.86 3,105.60

Accumulated Depreciation 1,387.55 1,408.18 1,428.85 1,449.53 1,470.76

Net Block 0.00 0.00 0.00 0.00 0.00

Capital Work In Progress 2,163.93 2,011.56 1,928.83 1,719.33 1,634.84

Other Assets 0.00 0.00 0.00 0.00 0.00

Total Assets 12,031.19 8,727.10 9,762.58 9,792.88 8,259.42

601,946.05549,011.74 477,448.19 456,744.48 376,854.50

Contingent Liabilities

Bills for collection 293,586.00238,008.93 231,810.55 224,750.05 138,915.26

Book Value (Rs) 0.00 0.00 0.00 0.00 0.00

203.24 952.50 884.03 777.39 632.48

Source : Dion Global Solutions Limited

References

References for collecting data about

State Bank of India

References

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2115877 6. As India's Banks Wait In Fear Of The Rupee Hitting 70 To The Dollar, Here's A List Of The Best 10

Indian Banks By Revenue. Ibtimes.com (2013-09-04). Retrieved on 2013-12-06. 7. History of the Evolution of SBI volumes 1, 2 and 3 and Banking Beyond Boundaries (Penguin,

2011) 8. "SBI Annual Report 2014-15" (PDF). State Bank of India. Retrieved 14 January 2016. 9. "The Largest Banks in India". www.relbanks.com. Retrieved 2015-11-11. 10. Banking Theory Law N Practice. Tata McGraw-Hill Education. p. 8. Retrieved Nov 4, 2014. |

first1= missing |last1= in Authors list (help) 11. "SBI accounts for one-fifth of country's loans". Livemint.com. 25 January 2009. Retrieved 20

August 2010. 12. "Indian Banks' Association". Iba.org.in. 23 April 2005. Retrieved 21 December 2010. 13. Business Standard (21 June 2010). "Approvals for State Bank of Indore merger by July: SBI". 14. Economic Times (26 August 2010). "State Bank of Indore branches to become SBI units from Aug

26 : SBI". The Times Of India. 15. "Arundhati Bhattacharya, first woman to head SBI". 16. "SBI takes lead in opening bank accounts under Jan Dhan Yojana". The Economic Times. 11 Sep

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July 2010.[dead link] 18. "State Bank of India Acquired 76% Shareholding in Giro Commercial Bank In 2005".

Accessmylibrary.com. 8 October 2005. Retrieved 21 December 2010. 19. http://deshgujarat.com/2014/02/19/sbi-logo-was-inspired-by-kankaria-lake/ 20. "Shareholding Pattern as on 30 June 2013". MoneyControl.com. Retrieved 10 October 2013. 21. "State Bank of India". BSEindia.com. Retrieved 11 October 2013.

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References for collecting data about

Punjab National Bank

1) https://www.pnbindia.in/2) "Origin of PNB". Punjab National Bank. Retrieved 18 February 2014. 3) "History of PNB". NDTV.com. Retrieved 18 February 2014. 4) "Annual Report 2012-13" (PDF). PNB. Retrieved 18 February 2014. 5) "Financials Information for Punjab National Bank". Hoover's. Retrieved 18 February 2014. 6) "The Largest Banks in India". www.relbanks.com. Retrieved 2015-11-11. 7) Singh Majithia (1994). 8) Tandon (1989). 9) Turnell (2009), p.226. 10) "Punjab National Bank acquires 30% stake in Metlife, company to be re-branded". The Indian

Express. 4 January 2013. Retrieved 18 February 2014. 11) "Punjab National Bank". BSEindia.com. Retrieved 18 February 2014. 12) "Punjab National Bank". NSE India. Retrieved 18 February 2014. 13) "Download List of CNX Nifty stocks (.csv)". NSE India. Retrieved 18 February 2014. 14) "Punjab National Bank - Shareholding Pattern - December 2013". MoneyControl.com. Retrieved

18 February 2014. 15) "Punjab National Bank on the Forbes Global 2000 List". Forbes. May 2013. Retrieved 18 February

2014. 16) "13 Best Banks of India". Silicon India. 19 November 2012. Retrieved 18 February 2014. 17) "IBFA awards the best in banking, insurance cos". MoneyControl.com. 17 October 2012.

Retrieved 18 February 2014. 18) "PNB Awards". Punjab National Bank. Retrieved 18 February 2014. 19) "A Shining Account". Business World. 16 November 2012. Retrieved 18 February 2014.

20) "Corporate Social Responsibility (GPACSR)". goldenpeacockawards.com. Retrieved 18 February 2014.

21) "National Training Award (GPNTA)". goldenpeacockawards.com. Retrieved 18 February 2014.